Normally, it is a good idea to put your bills on auto pay. This is the simplest way to get all your balances cleared at the end of each month. You do not have to worry about late fees, accummulating paper bills, and extra interest. However, there are times when it does not make sense to add all your bills on auto pay.
You should only do it if you are confident that you can afford to pay them in full. Otherwise, you still get charged with interest, which undermines your efforts to keep your finances in check. Check your auto pay list and consider removing these items for better money management.

1. Utility and cable bills.
Yes, these are recurring bills, but they also fluctuate. The total can be different every month. This can wreck havoc on your budget if it is set on auto pay and you forget about it.

2. Annual subscriptions or car premiums
Infrequent bills are tricky to add to auto pay. Again, it is very likely that you will forget about these. You get charged without you realizing it! Even worse, if one of these bills hits your account when your balance is low or next to non-existent, you may end up overdrawing your bank account and getting hit with a fee.

3. Credit card bills
Ideally, you will pay your credit card bill in full every month. This makes it an awesome addition to your auto pay. However, if you cannot afford to do so, you may have problems. You want to at least make minimum payments, and this can be a headache if you do not have enough money to settle it at the end of every month.

4. Memberships or subscriptions
Check your list of subscriptions and ask yourself how much of these do you really utilize? It is not great to add memberships or subscriptions to auto pay because it is better to only pay for the time you get to use it. Also, if you sign up for a trial service and forget to cancel it, you might get shocked once you see you have been charged and how long it has been happening!